Search found 196 matches

by Jimmie
Thu May 04, 2017 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Unmarried couple purchasing a home?
Replies: 72
Views: 4906

Re: Unmarried couple purchasing a home?

Do not recommend buying property with someone you are not married to. If legal contracts are drawn up properly, how does this differ from two brothers (or total strangers for that matter) buying property together? Why should they be excluded from buying a house jointly? Your brother is always your ...
by Jimmie
Thu May 04, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Unmarried couple purchasing a home?
Replies: 72
Views: 4906

Re: Unmarried couple purchasing a home?

Without getting too deeply into moral or philosophical issues, would it really matter if we were married or not? Does not being married substantially increase the odds of us breaking up and thus necessitating the sale of the home? My answer is "NO" to what I assume to be rhetorical questions. Many ...
by Jimmie
Thu May 04, 2017 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Unmarried couple purchasing a home?
Replies: 72
Views: 4906

Re: Unmarried couple purchasing a home?

RoadHouseFan wrote:Do not recommend buying property with someone you are not married to.
If legal contracts are drawn up properly, how does this differ from two brothers (or total strangers for that matter) buying property together? Why should they be excluded from buying a house jointly?
by Jimmie
Thu May 04, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: Vexing electrical problem in the house
Replies: 54
Views: 4403

Re: Vexing electrical problem in the house

OP- One poster above made a good catch on the Zinsco panel. Those are known to have problems and I don't know if they even make GFCI breakers to fit them. Have it replaced with a good modern 200 amp panel such as Siemens or Square D. Determining your incoming service amperage capacity is important....
by Jimmie
Thu May 04, 2017 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle large variable expenses?
Replies: 16
Views: 1209

Re: How to handle large variable expenses?

Without knowing what these home improvement projects are, my advice may or may not apply. But I would check it out. When we have done certain projects, particularly replacement of Formica countertops with Cambria and replacement of linoleum flooring with ceramic tile, both companies had "x months sa...
by Jimmie
Thu May 04, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Vexing electrical problem in the house
Replies: 54
Views: 4403

Re: Vexing electrical problem in the house

pascal wrote:I am staying put on the couch waiting for PG&E.
Reminds me of when my son stuck a screwdriver in the small hole of an electrical outlet. I told him he was grounded. :D

Hope all works out well for you.
by Jimmie
Thu May 04, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Starting new job mid-career - What advice to learn from my past?
Replies: 39
Views: 2647

Re: Starting new job mid-career - What advice to learn from my past?

I got laid off after spending 16 years as an engineer at a Fortune 100 company in a 200k population city. I was never into leadership, so remained an "individual contributor". My job career was unique in that for many years I hardly had enough work to do. It was a combination of laid back bosses an...
by Jimmie
Thu May 04, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Favorite Financial Indulgences
Replies: 78
Views: 8624

Re: Favorite Financial Indulgences

I like to do things to my house. I am having an irrigation system installed. This is my indulgence for the year. Next year I would like to have the entire interior of the house painted. The following year, redo my driveway. The year after that, new carpet for the whole house. When larger home impro...
by Jimmie
Thu May 04, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Vexing electrical problem in the house
Replies: 54
Views: 4403

Re: Vexing electrical problem in the house

What eventually failed was the 12 gauge romex inside a wall, which melted in two. That's a really good way to burn down a house (ours didn't, but that was pure luck). This is why residential wiring, particularly Romex, is solid wire. If it breaks, it breaks clean. Stranded wire, when compromised wi...
by Jimmie
Thu May 04, 2017 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Favorite Financial Indulgences
Replies: 78
Views: 8624

Re: Favorite Financial Indulgences

I like to do things to my house. I am having an irrigation system installed. This is my indulgence for the year. Next year I would like to have the entire interior of the house painted. The following year, redo my driveway. The year after that, new carpet for the whole house. When larger home impro...
by Jimmie
Thu May 04, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Vexing electrical problem in the house
Replies: 54
Views: 4403

Re: Vexing electrical problem in the house

Many good points so far, particularly mapping the circuits throughout the house. That is the best start. I would suspect a faulty circuit breaker or loose connection somewhere. The suggestion of thermal imaging is a good one. Forget about it being GFCI related. If it was, the induction cooktop would...
by Jimmie
Thu May 04, 2017 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Favorite Financial Indulgences
Replies: 78
Views: 8624

Re: Favorite Financial Indulgences

Needed a new printer to replace an old black and white laser. Ignored inkjets because the cartridges, especially the color ones, dry up before you can use all the ink. Decided on an HP multi-function color LaserJet same model as I bought for a field office I managed for my employer. The color toner ...
by Jimmie
Wed May 03, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Great knife for slicing limes and raw potatoes
Replies: 56
Views: 3949

Re: Great knife for slicing limes and raw potatoes

Still trying to figure out what meal OP only needs to cut limes and potatoes for... ...Potato fries... Mandoline. Here's one: https://www.amazon.com/OXO-Good-Grips-Mandoline-Slicer/dp/B0000DAQ8B +1 Last year, I purchased a stainless steel mesh cutting glove since I use my mandolin so much. The prof...
by Jimmie
Wed May 03, 2017 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: My dad needs my help.
Replies: 50
Views: 5569

Re: My dad needs my help.

Please do not answer this question but why would someone get divorced at 74? Clearly the spouse left. The OP's Dad had no choice. Correct The OP's father is in the financial position as described. The financial advice shouldn't be any different whether the OP's father was left alone via death or di...
by Jimmie
Tue May 02, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Most Common Financial Mistakes
Replies: 108
Views: 15407

Re: Most Common Financial Mistakes

Check out the other thread about best financial advice and put the word "NOT" in front of everything. :D

viewtopic.php?f=10&t=217123
by Jimmie
Sat Apr 29, 2017 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Supervisor asks me "when are you retiring?"
Replies: 2
Views: 1550

Re: Supervisor asks me "when are you retiring?"

At a team meeting recently, my supervisor asked me when am I retiring. It was said somewhat jokingly, but since we just had layoffs (I survived), it came across as a bit odd. Supervisor said everybody thinks I'm rich. One person from another team was laid off and since they are 71 years old, it was...
by Jimmie
Sat Apr 29, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 14913

Re: Will cars be autonomous in three years?

It is also very clear that Musk is planning to roll out this new technology in beta form and let the customers find the bugs. Wow.... He means, "Let the family of the dearly departed attend to final burial arrangements." Seriously, you bring up several good points. Any invention is easy to design t...
by Jimmie
Sat Apr 29, 2017 6:54 am
Forum: Personal Consumer Issues
Topic: Somebody hit my car in a parking lot
Replies: 26
Views: 4225

Re: Somebody hit my car in a parking lot

Saturn's demise was due to a decision made by GM to focus on four of their core car makes: Cadillac, GMC, Chevrolet, and Buick. This decision had nothing to do with the quality of the brand. Though I don't have #'s to support it- bad decision IMO, esp in the Rust Belt and winter salt belt where som...
by Jimmie
Thu Apr 27, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Why I'm tempted to fix things myself; it's not about the money
Replies: 38
Views: 4502

Re: Why I'm tempted to fix things myself; it's not about the money

I always want to fix something in my house myself and money is no object. With time not normally a constraint, I will always do a better job than farming the project out. The only exception is if it does not fall into my level of expertise or comfort zone, i.e. a pro would do a better job - like ins...
by Jimmie
Thu Apr 27, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Somebody hit my car in a parking lot
Replies: 26
Views: 4225

Re: Somebody hit my car in a parking lot

makes me wonder (again) how Saturn went under. Issues like this less likely to occur w/ them cars & body structure. See many on the roads still today. Saturn's demise was due to a decision made by GM to focus on four of their core car makes: Cadillac, GMC, Chevrolet, and Buick. This decision had no...
by Jimmie
Thu Apr 27, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Somebody hit my car in a parking lot
Replies: 26
Views: 4225

Re: Somebody hit my car in a parking lot

I would just pay cash for that one. Save your insurance for bigger events. It is also why I set our deductible at $2,500 for one newer car. Liability on all other cars. Careful on this, I did this once and the repair shop reported it as repaired, such that it showed on a carfax report. Then next ti...
by Jimmie
Thu Apr 27, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Retirement spreadsheet help (excel)
Replies: 11
Views: 867

Re: Retirement spreadsheet help (excel)

I am using Excel to do a retirement spread sheet and I really like the 'retirement planner' template that Microsoft has here https://templates.office.com/en-us/Retirement-financial-planner-TM04022385 The problem is I am not really knowledgeable about excel and I can't seem to modify it to have a di...
by Jimmie
Thu Apr 27, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Retirement spreadsheet help (excel)
Replies: 11
Views: 867

Re: Retirement spreadsheet help (excel)

The "Chart Details" change based on the "Input" changes. I played around with this for a while. IMHO, I think the OP simply forgot to enable editing. I have enabled editing. The problem is when you put in age 62 it uses it to calculate both the age you start taking withdrawals and the age your pens...
by Jimmie
Thu Apr 27, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Retirement spreadsheet help (excel)
Replies: 11
Views: 867

Re: Retirement spreadsheet help (excel)

The cells in the bottom half of the spreadsheet are not designed to be changed, only the input section on the top is for changes. It's a pretty basic spreadsheet and won't do a lot of different things, if I understand it correctly. All the calculations are done on a hidden worksheet. The "Chart Det...
by Jimmie
Thu Apr 27, 2017 6:51 am
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 14913

Re: Will cars be autonomous in three years?

With all this talk about autonomous CARS, I did some reading up of why there are no autonomous trains. Surely, those should more easily be adaptable to being driver-less, correct? Although many of the issues are technical such as considerable stopping distances, many issues are political like train ...
by Jimmie
Wed Apr 26, 2017 1:55 pm
Forum: Investing - Theory, News & General
Topic: Article on Vanguard Total Stock Market
Replies: 10
Views: 2495

Re: Article on Vanguard Total Stock Market

lack_ey wrote:Do a search on Paul Merriman. Same advice over and over again. (This is not a critique on the validity or lack thereof.)
Same could be said of Warren Buffett. He says the same old things over and over. But dang, that old geezer sure knows how to make money, so I tend to listen to him.
by Jimmie
Wed Apr 26, 2017 1:27 pm
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 85
Views: 8661

Re: Removing a tree - expensive!!!

Pear and cherry trees? You guys are killing me! Have the tree service cut up the wood in firewood lengths and sell that wood on Craigslist to BBQ smoker people. Fruit wood is one of the best! Actually, I thought of that AFTER I had the tree removed. I did not apparently measure twice and saw once b...
by Jimmie
Wed Apr 26, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 85
Views: 8661

Re: Removing a tree - expensive!!!

Pear and cherry trees? You guys are killing me!

Have the tree service cut up the wood in firewood lengths and sell that wood on Craigslist to BBQ smoker people. Fruit wood is one of the best!
by Jimmie
Wed Apr 26, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 6077

Re: $300+ to remove a racoon. Really?

munemaker wrote:My neighbor had a racoon in his garage that would not leave. He beat it to death with a baseball bat..blood all over the place. I would not recommend this.
Your neighbor leads the league in RBI (raccoons battered in) :D
by Jimmie
Tue Apr 25, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 14913

Re: Will cars be autonomous in three years?

After following this thread for a while, I have a dumb question about autonomous cars. How do they make decisions on where to park? For example, say I am leaving my garage and going to work. Work has a large parking lot with hundreds of spaces and I like to enter the building at a side door nearest ...
by Jimmie
Tue Apr 25, 2017 2:39 pm
Forum: Investing - Theory, News & General
Topic: Unwinding all positions and buy back after French Elections
Replies: 55
Views: 6455

Re: Unwinding all positions and buy back after French Elections

Somewhere, I read that the stock market has always shown gains when taken over any ten-year historical period. ANY ten-year period, even during the Great Depression. This tells me that it's not about timing the market, it's about time IN the market. I believe that was true until 2008. CAGR SP500 wi...
by Jimmie
Tue Apr 25, 2017 1:49 pm
Forum: Investing - Theory, News & General
Topic: Unwinding all positions and buy back after French Elections
Replies: 55
Views: 6455

Re: Unwinding all positions and buy back after French Elections

Since starting on this forum, I have mentally tried to figure out things like this. Now that I have the Boglehead mentality, the reasons why they don't work become more immediately obvious to me. For example, on Day 1, you have money to invest, but you choose to wait until the market goes down. SCEN...
by Jimmie
Tue Apr 25, 2017 1:32 pm
Forum: Investing - Theory, News & General
Topic: Unwinding all positions and buy back after French Elections
Replies: 55
Views: 6455

Re: Unwinding all positions and buy back after French Elections

Gufomel wrote:The Dow just passed 21k for the first time.
Nope. On March 1, 2017 Dow hit the current closing record of 21,115.55 with an intraday high of 21,169.11.
by Jimmie
Tue Apr 25, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 13112

Re: Ordering a Weber grill this week

Jimmy. The "heat capacity" is why the Weber comes standard with these big thick massive cast iron grill grates. Each grate weighs 5lbs (?). So it holds the heat and will not cool off or heat up fast. That is also what the sear burner is all about. It is BIG burner that puts out a lot of heat. See h...
by Jimmie
Tue Apr 25, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 13112

Re: Ordering a Weber grill this week

Believe me, I've researched this to death and nobody leaves the lid open when grilling. However, and I'll repeat it again, there's a reason why professional chefs working in restaurants don't have lids on their grills. They don't like baking their meat. Skillet to oven, fine, but when grilling, I n...
by Jimmie
Tue Apr 25, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Car Breaks Down on Long Road Trip
Replies: 55
Views: 5191

Re: Car Breaks Down on Long Road Trip

It happened to us while we were still 100+ to the destination. It was almost mid night so I had the car towed to the hotel. Next morning, I bought a few tools and a new alternator. It took me the whole morning to finish the job but everything was fine after that. I think it depends on a lot of fact...
by Jimmie
Tue Apr 25, 2017 9:08 am
Forum: Investing - Theory, News & General
Topic: everywhere we are encouraged to trade and to our detriment
Replies: 31
Views: 3673

Re: everywhere we are encouraged to trade and to our detriment

Trading = $$$ for brokerage houses. Trading = viewers for CNBC. Trading = clicks for websites. The incentive is for people to talk about and encourage trading, so that's what happens. Agree completely. Missing from this thread, unless I missed it, is that financial news on TV and the internet encou...
by Jimmie
Mon Apr 24, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 14913

Re: Will cars be autonomous in three years?

If we show that human driving offers no benefit for catastrophic events (e.g. someone side-swiping you at a stoplight) and autonomous driving provides benefit for typical events (e.g. the person ahead of you brakes while you're looking at the radio), why wouldn't we select autonomous driving as the...
by Jimmie
Mon Apr 24, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 14913

Re: Will cars be autonomous in three years?

Two things terrify me about autonomous vehicles and I am a control system engineer. First, there is nothing that prevents a wild, out-of-control driver from hitting the autonomous vehicle. There are too many places when there is no "out" for it, regardless of how smart it is. And what will you do w...
by Jimmie
Mon Apr 24, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree Withdrawal Portfolio
Replies: 19
Views: 2065

Re: Retiree Withdrawal Portfolio

retiredjg wrote:I think you read it too quickly. :happy
:oops:
by Jimmie
Mon Apr 24, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree Withdrawal Portfolio
Replies: 19
Views: 2065

Re: Retiree Withdrawal Portfolio

Her $36k is a little higher than 4% for the first few years, but when SS starts, the withdrawal rate would drop and should be sustainable for quite a long time. Unless I read wrong, the OP's mother's current job is about $36,000. She is aiming to replace that with the retirement portfolio and SS be...
by Jimmie
Mon Apr 24, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 14913

Re: Will cars be autonomous in three years?

PS, actually "people" way OVERestimate the speed of technology advancement (speaking of true technology advancement, not integration and marketing posing as technology advancement). Analysts (who are in business of selling hype) apply a hockey-stick curve to everything, and people buy into it. Ther...
by Jimmie
Mon Apr 24, 2017 1:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: The next generation of Boglehead authors
Replies: 41
Views: 4574

Re: The next generation of Boglehead authors

Interesting ... My 16 yo has been reading up. He likes Mr. Money Mustache. Other than him, he's eschewed the early retirement stuff. He's been reading Cal Newport. Who talks about meaningful work, but work/ life balance. Good for you starting your son out so early. And good for him to embrace finan...
by Jimmie
Mon Apr 24, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 14913

Re: Will cars be autonomous in three years?

For any out of control driver, there are ways to mitigate this issue. One would be to transmit the GPS positions of that driver. So if it was driving erratically, the trail of GPS positions from that car would alert the system to take caution. You could also do this with a vision system by analyzin...
by Jimmie
Mon Apr 24, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 13112

Re: Ordering a Weber grill this week

Now I am curious. Why use those aluminum grill mate things instead of the cast iron OEM grates from Weber. My Genesis came with great iron grates that do very good grill marks and let the oil and grease go down to the flame covers and burn. This is the way the grill was designed to work. The Weber ...
by Jimmie
Mon Apr 24, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 14913

Re: Will cars be autonomous in three years?

Two things terrify me about autonomous vehicles and I am a control system engineer. First, there is nothing that prevents a wild, out-of-control driver from hitting the autonomous vehicle. There are too many places when there is no "out" for it, regardless of how smart it is. Second, what happens wh...
by Jimmie
Mon Apr 24, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 13112

Re: Ordering a Weber grill this week

Great upgrade, but don't how longer term cleaning will go yet. They actually recommend not doing a high heat burn-off after you're done cooking, but to basically do this step when you begin cooking next time. I bought my first set to resurrect my old grill probably 10 years ago. That set was given ...
by Jimmie
Mon Apr 24, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 14913

Re: Will cars be autonomous in three years?

Three years? No way. Most people's financing of their current vehicle won't be paid off by then.

Autonomous cars are significantly more expensive than conventional cars anyway. The general population won't be buyer's in that timeframe.
by Jimmie
Sun Apr 23, 2017 6:25 pm
Forum: Personal Consumer Issues
Topic: Time savers - life on automation
Replies: 57
Views: 8265

Re: Time savers - life on automation

rebellovw wrote:Funny - I have the Neato D5 Connected robot vacuum - love it. Everyday it is full even when the house appears clean.
The reason the house appears clean is because the robot vacuum is full. :oops:
by Jimmie
Sun Apr 23, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: Hotel Living
Replies: 20
Views: 3582

Re: Hotel Living

One of the things I found very annoying was the tendency of the maids to be loud in the hallways and slam doors as they went in and out of the rooms they were cleaning. They didn't expect guests to being hanging out in the rooms during the weekdays. This drove me nuts because I either had to work d...